SME Financing

Focused on You

China Banking Corporation (Chinabank, PSE: CBC) is a leading private universal bank in the Philippines, founded in 1920 as the country's first privately owned local commercial bank. A member of the SM Group, it offers deposits, lending, wealth management, trust, treasury, and digital banking to retail, SME, and corporate clients through a nationwide branch network and subsidiaries including China Bank Savings, Chinabank Capital, and Chinabank Securities. In 2025 it posted record net income of about ₱28 billion with total assets of roughly ₱1.8 trillion.

1920 · Makati City, Philippines · Public

Make every payment rewarding

GrabPay is the financial-services brand built into the Grab super-app in the Philippines. The GrabPay wallet, operated by BSP-regulated GPay Network PH Inc., lets users pay for Grab rides, food and delivery, scan merchant QR codes, check out online, pay bills, buy load, transfer funds and earn GrabRewards, plus PayLater BNPL. Through SEC-licensed Grab Financial Services Philippines, Inc., Grab also offers GrabFinance Quick Cash working-capital loans for merchant-partners and Grab Cash Loan for consumers and drivers. A wholly owned part of NASDAQ-listed Grab Holdings (NASDAQ: GRAB).

2018 · Metro Manila, Philippines · Public

Smart banking solutions and business loans

First Circle provides SME financing and business banking solutions in the Philippines. First Circle Growth Finance Corp. is an SEC-regulated financing company; banking services are provided by partner bank Netbank. Products include credit lines, loans and business accounts. It reported about PHP25B disbursed since 2018 in its July 2026 partnership update. IFC announced a US$7M equity contribution in October 2024 alongside other investors, without disclosing the whole-round amount. A proposed securitization package of up to US$110M remained Pending Signing in IFC’s October 4, 2026 disclosure and is excluded from funding raised.

2016 · Taguig City, Philippines · Growth

Responsible credit for businesses and their employees

Advance (Advance Tech Lending Inc.) is a Philippine fintech that gives businesses and their employees fast, responsible credit. It pioneered the country's first 24/7 salary-on-demand (earned-wage-access) platform, letting employees draw a portion of already-earned pay early via a mobile app, integrated with employer HRIS/payroll. It has since added business working-capital products (Business Advance, direct and payroll disbursement). Serving roughly half a million employees through 200+ partner companies, Advance has raised about US$16M+ to date (a US$16M pre-Series A in March 2023) and expanded to Vietnam via the acquisition of BravoHR.

2019 · Taguig City, Metro Manila · Series A

Round One is the Philippines' first SEC-licensed equity crowdfunding platform, operated by Eastern Securities Development Corporation (ESDC), a stock brokerage and Philippine Stock Exchange member since 1977. Launched in 2022, the platform lets Filipino startups and SMEs raise growth capital through the public sale of equity securities, while investors can browse vetted campaigns and commit funds online. Round One conducts due diligence on both issuers and investors, and has hosted fundraises for companies including Cocotel, Tipaklong, UNAWA and Filipay.

2022 · Binondo, Manila · Private

Powered by Passion

Esquire Financing, Inc. (EFI) is one of the Philippines' largest non-bank SME lenders, providing fast, non-collateral business loans to small and medium enterprises. Founded in 2011 by chairman and CEO Rajan Uttamchandani, the Taguig-based financing company offers loans of ₱100,000 to ₱10 million with minimal requirements and credit decisions in as little as 1–3 days, applied for online or through its mobile app and nationwide offices. EFI has disbursed over US$400 million to tens of thousands of entrepreneurs and is backed by private-equity firm Crescent Point Capital.

2011 · ARCA South, Taguig · Private

Empowering micro-entrepreneurs through connected commerce

Packworks is a Filipino B2B platform that digitalizes the country's neighborhood sari-sari stores, serving a network of over 300,000 micro-retailers. Through its app ecosystem (Sari.PH and Sari.PH Pro), store owners get inventory management, bookkeeping, sales tracking, and direct ordering from suppliers. Its Sari IQ engine turns store transaction data into business insights. Packworks brings embedded working capital to the underbanked retail sector, partnering with licensed lenders — including 1Sari Financing Corporation and Cebuana Lhuillier — to offer in-app inventory-financing credit lines that help stores restock and grow.

2018 · Makati, Metro Manila · Seed

First BIR-Accredited Tax Platform

JuanTax is a Philippine cloud-based tax-compliance platform that lets businesses, self-employed professionals, CPAs and bookkeepers prepare, file and pay BIR taxes online — covering VAT, percentage tax, withholding, income tax, books of accounts and financial reports. Launched in 2017 as the country's first BIR-accredited electronic tax software, it offers JuanTax Plus for practitioners and Fast File for individuals and SMEs, with direct online tax payment via cards, e-wallets and banks. It is operated by Ten Elleven Manila Inc., a BSP-registered Operator of Payment System ('1011 Pay').

2017 · Metro Manila, Philippines · Seed

Transforming the Lives of Filipino Farmers and Fisherfolks through Technology

Mayani is a Philippine full-stack agri-fisheries technology platform connecting a grassroots network of 144,000+ smallholder farmers and fisherfolk to markets, inputs, and finance. Founded in 2019, it runs three value-creation lines: Mayani Farm Direct (market linkage), Mayani Agri-Inputs (seeds, feeds, and supplies), and Mayani Fin-Assist (production financing). Through Fin-Assist, Mayani uses its supply-chain and purchase-order data to underwrite and facilitate affordable production credit for organized farmers, working with licensed lending partners including Fuse Lending (Mynt/GCash) to bridge the country's agri-credit gap.

2019 · Metro Manila, Philippines · Seed

Your Trusted Financing Partner

ProCredit is a tech-enabled SME lender in the Philippines focused on the mid-market business segment, offering tailored business loans, revolving credit lines, and automatic loan top-ups with risk-based pricing. It pairs senior credit-officer-led engagement with a proprietary, rules-based underwriting and portfolio-management system to deliver fast in-principle decisions. Founded in 2023 and based in Makati, it was started by a team with decades of combined emerging-markets SME-lending experience and raised about US$4.1 million in pre-seed funding in 2024 to grow its loan book.

2023 · Makati City, Metro Manila · Pre-seed

Saripay is the digital financial-services platform of G2M Fintech Corporation, part of the GrowSari group, built for Philippine micro and small retailers — sari-sari stores, botikas and carinderias. Through its business wallet, QR Ph acceptance and the ELista buy-now-pay-later inventory-financing program, Saripay lets storeowners accept cashless payments, pay suppliers, buy load and settle bills. It serves GrowSari's nationwide network of 250,000+ MSMEs. G2M Fintech Corporation is a BSP-registered Operator of Payment System.

2023 · Bonifacio Global City, Taguig · Private

Kredit Hero is an AI-powered SME loan marketplace that connects Philippine businesses with the right lender through a single application. Rather than lending directly, it matches borrowers to a network of 40+ banks, financing companies, and lenders, using AI to screen documents and pair each business with suitable working-capital, credit-line, equipment, and Sangla OR/CR financing options ranging from about PHP 300,000 to over PHP 100 million. Founded in 2024 and based in BGC, Taguig, Kredit Hero streamlines business borrowing so owners can compare and access financing faster.

2024 · Taguig City, Philippines · Pre-seed

Dagdag PUHUNAN, dagdag BENTA, dagdag KITA!

1Sari is a Philippine financing company providing embedded inventory and working-capital loans to micro-retailers, primarily the country's sari-sari (neighborhood) stores. Through partnerships with the B2B platform Packworks, UNO Digital Bank and Cebuana Lhuillier, eligible stores can access a starter credit line of about ₱2,500 — delivered in-app — to restock inventory, with a prompt-payment rebate. Founded in 2022 and based in Quezon City, 1Sari targets the roughly 1.3 million largely unbanked sari-sari stores with inventory financing, working-capital and general-purpose microloans to support financial inclusion.

2022 · Quezon City, Metro Manila · Private

Basta pera, Lista — money management made simple for every Filipino

Lista is one of the Philippines' fastest-growing personal and small-business finance apps, with over 3 million downloads. Founded in 2021 by Aaron Villegas and Khriztina Lim, it started as a digital listahan (ledger) for tracking income, expenses, debts (utang) and invoices for sari-sari stores and MSMEs. It has since expanded into broader money management (budgeting, savings goals, bill reminders), plus a marketplace to compare and apply for credit cards, loans and insurance, and in-app access to credit scores from the CIC, CIBI and TransUnion. Lista has raised ~US$5.1M+ from investors led by 1982 Ventures and Openspace Ventures.

2021 · Metro Manila, Philippines · Seed

Radiowealth Finance Company, Inc. (RFC) is one of the Philippines' pioneering non-bank finance companies, tracing its roots to the Guevara family's Radiowealth (founded 1935) and incorporated as a finance company in 1964. An SEC-licensed financing company, RFC provides accessible consumer, SME, collateral, and business loans through 120+ branches nationwide alongside a growing digital channel — online loan applications and its digital arm, Radiowealth Financial Services Corporation (RFSC), for unsecured online lending, plus embedded-lending partnerships. RFC continues to digitalize credit access for Filipino entrepreneurs and households.

1964 · Mandaluyong City, Metro Manila · Private

OneLot is a Philippine financing platform built for independent used-car dealers, combining secured inventory loans with digital dealership tools. Operated by OneLot Financing Corporation, an SEC-licensed financing company, it uses AI-driven underwriting paired with on-the-ground vehicle appraisal to issue credit decisions within hours, giving dealers revolving credit lines to buy and stock inventory. Beyond floorplan financing, OneLot offers new-car acquisition and bank-auction loans. Founded in 2023, it has issued over US$7M in loans to 150+ dealers and raised the Philippines' largest seed round of 2025.

2023 · Makati, Metro Manila · Seed

Easy na yan, with Easylend

Easylend is the consumer-lending brand of Country Funders Finance Corporation (CFFC), a financing company under the Philippines' Ropali Group. Launched in 2025, Easylend provides fast, accessible motorcycle, business and agricultural loans for everyday Filipinos — commuters, riders, sari-sari store owners, agripreneurs and MSMEs — with motorcycle-loan approvals in as fast as 1–2 hours and only one valid ID plus proof of income required. Through its mobile app and 300+ partner dealerships and retail outlets nationwide, CFFC has served over 200,000 borrowers since 2018.

2018 · Pasig City, Metro Manila · Private

SME credit intelligence for Philippine lenders

Proficio is a Philippine fintech company building SMEVE (the SME Valuation Engine)—the credit intelligence workbench that helps banks and MFIs read the business behind the borrower. SMEVE takes an SME lending team from the borrower's raw file to the Credit Committee pack in one structured workflow. SMEVE cross-checks declared figures against bank statements, evaluates whether the underlying business is viable alongside traditional debt-service ratios, and keeps the source page attached to every number.

2024 · San Pablo City, Laguna · Pre-seed

Dito, pwede!

SB Finance Company, Inc. is the consumer-finance arm of Security Bank, operated as a 50/50 joint venture with Thailand's Krungsri (Bank of Ayudhya, part of the MUFG group). An SEC-licensed financing company supervised by the BSP, it provides accessible loans to everyday and underserved Filipinos — salary and employee loans (eSALAD), personal loans, motorcycle financing (MotorsikLOAN), and OR/CR collateral loans (Car4Cash) — paired with financial-literacy programs that promote responsible borrowing. It has activated over 500,000 loan accounts nationwide.

2017 · Makati City, Philippines · Private

AI-Powered Entrepreneurship

Enstack is a Philippine-built, AI-powered all-in-one mobile app that lets micro and small entrepreneurs run an entire business from a phone — building online storefronts, managing inventory, accepting payments, and arranging nationwide shipping, with AI tools for design and content. Operated by Enstack Technologies, Inc. and a BSP-registered Operator of Payment Systems, it was founded in 2021 by Macy Castillo (ex-Shopee Philippines) and Skype co-founder Geoffrey Prentice. Enstack exited beta in October 2022 and has grown to 200,000+ entrepreneurs on the platform.

2021 · Metro Manila, Philippines · Series A

This is finance built for SMEs

N90 Lending Corp. is an SEC-registered, born-digital alternative lender giving Philippine small and medium enterprises fast, fair, and flexible access to capital. Built around the realities of delayed payments and rigid bank requirements, N90 offers small business loans, invoice financing, purchase-order and working-capital funding, and bridge loans of up to ₱25 million — with minimal documentation, upfront pricing, and quick decisions. It also extends to the workforce through Earned Wage Access via its AgadPay product. Based in Bonifacio Global City, Taguig.

2024 · Bonifacio Global City, Taguig · Private

Asialink Finance Corporation is one of the Philippines' largest non-bank lenders, specializing in collateral-backed credit for micro, small and medium enterprises — secured vehicle, truck and second-hand auto loans, real-estate-backed business loans, and OFW/seafarer personal loans. Founded in Pasig in 1997, it operates roughly 250 branches nationwide. In February 2024 private-equity firm Creador acquired an 18% stake for ₱4 billion, and the company has since secured IFC, ADB and CGIF-backed facilities to expand MSME lending (targeting ₱17 billion in disbursements for 2025) while digitalizing operations. Majority-owned by the Lugtu family.

1997 · Pasig City · Private

Unlock working capital with Jia

Jia is a digital SME-financing company giving Philippine small and medium businesses fast access to working capital. Combining AI-driven credit assessment with blockchain-based capital, Jia offers invoice factoring, receivables and purchase-order financing, inventory financing, and supply-chain financing — with funding decisions in under 24 hours, fees of roughly 1–5%, and flexible terms from one day to six months. Backed by Coinbase Ventures, the Stellar Development Foundation and others, Jia is building an integrated financial operating system to close the Philippines' multi-billion-dollar SME credit gap.

2022 · Metro Manila, Philippines · Seed

Apply in Minutes, Get Funded in 1 Day

Pondo Pinoy is a Philippine online lending company providing collateral-free working-capital loans to micro, small, and medium enterprises. It serves sari-sari store owners, franchisees, and entrepreneurs with business loans ranging from about ₱15,000 up to ₱5 million. Its model combines field agents with a web-based application portal and online payment gateways for application, disbursement, and repayment. Products include short-term working-capital loans, long-term installment loans, franchise and small-business loans, invoice financing, and revolving credit lines. The company is SEC-registered and based in Makati City.

2023 · Makati City, Metro Manila · Private

Financial Risk and Vendor Accreditation with AI

CreditBPO is a Philippine AI fintech that automates SME, commercial and corporate credit-risk assessment for banks, lenders and enterprise procurement teams. Its flagship Financial Condition Rating and Benchmarking Report turns raw financials and third-party data into instant risk ratings, red-flag alerts and industry benchmarks, while the Enhanced Online Loandex Dashboard (EOLDX) — built with the Bankers Association of the Philippines — gives member banks portfolio-wide lending intelligence. A Visa Ready fintech partner and Microsoft Highway-to-100-Unicorns awardee, CreditBPO helps institutions underwrite faster.

2014 · Bonifacio Global City, Taguig · Private

Free mobile POS and digital storefront for sari-sari stores and MSMEs

Peddlr is a Philippine startup building digital infrastructure for micro and small businesses. Its free mobile POS and bookkeeping app lets sari-sari stores and micro-MSMEs track sales, inventory, expenses and customer credit (utang) offline. It is expanding into fintech: accepting GCash, Maya and bank payments via a single QRPH code (Kankolek), plus e-load, bills payment, gaming pins and planned inventory financing. Founded 2021 in Catbalogan, Samar by Nel Laygo, Peddlr reports over 2 million app downloads and raised ~PHP 240M (US$4.6M) in seed and pre-seed funding.

2021 · Catbalogan City, Samar, Philippines · Seed